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How does SPIZF make money? Does SPIZF have pricing power? What's the Earnings Whisper? Will SPIZF profit more as the business scales? What is SPIZF's management track record? Is SPIZF's current price justified?

Sparebanken Norge

$19.8 +$2.36 (+13.53%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$19.8

Day Range

$17.44$19.8

Year Range

$17.44$20.59

Market Cap

3.43B

AVG Volume

Trailing/Forward PE

12.63/1.14

PEG ratio

2.47

Dividend Yield

5.84%

Next Earnings Date

2026-10-29

Primary Exchange

Other OTC

Revenue (NOK)

SPIZF Revenue (NOK) by quarter
Period	Revenue (NOK)
26 Q2	3.31B
26 Q1	3.15B
25 Q4	5.27B
25 Q3	8.52B
25 Q2	7.72B
25 Q1	1.89B
24 Q4	1.87B
24 Q3	1.95B
24 Q2	1.82B
24 Q1	1.71B

Net Income (NOK)

SPIZF Net Income (NOK) by quarter
Period	Net Income (NOK)
26 Q2	1.72B
26 Q1	1.98B
25 Q4	1.72B
25 Q3	1.76B
25 Q2	1.68B
25 Q1	1.33B
24 Q4	1.08B
24 Q3	1.24B
24 Q2	1.1B
24 Q1	1.22B

Operating Income (NOK)

SPIZF Operating Income (NOK) by quarter
Period	Operating Income (NOK)
26 Q2	2.33B
26 Q1	2.2B
25 Q4	2.25B
25 Q3	2.17B
25 Q2	2.14B
25 Q1	1.34B
24 Q4	1.32B
24 Q3	1.39B
24 Q2	1.45B
24 Q1	1.29B

EBITDA (NOK)

SPIZF EBITDA (NOK) by quarter
Period	EBITDA (NOK)
26 Q2	2.36B
26 Q1	2.16B
25 Q4	2.37B
25 Q3	2.41B
25 Q2	2.22B
25 Q1	0
24 Q4	0
24 Q3	0
24 Q2	0
24 Q1	0

Cash Flows (NOK)

SPIZF Cash Flows (NOK) by quarter
Period	Cash Flows (NOK)
26 Q2	2.58B
26 Q1	2.76B
25 Q4	-816.54M
25 Q3	3.51B
25 Q2	2.79B
25 Q1	1.41B
24 Q4	-886M
24 Q3	2.17B
24 Q2	1.58B
24 Q1	1.51B

EPS (NOK)

SPIZF EPS (NOK) by quarter
Period	EPS (NOK)
26 Q2	3.87
26 Q1	4.49
25 Q4	28.27
25 Q3	27.03
25 Q2	25.71
25 Q1	4.78
24 Q4	9.52
24 Q3	4.45
24 Q2	10.05
24 Q1	4.4

Expenses (NOK)

SPIZF Expenses (NOK) by quarter
Period	Expenses (NOK)
26 Q2	1.01B
26 Q1	313M
25 Q4	319.98M
25 Q3	216M
25 Q2	74M
25 Q1	39M
24 Q4	486M
24 Q3	27M
24 Q2	34M
24 Q1	53M

Cash & Debt (NOK)

SPIZF Cash & Debt (NOK) by quarter
Period	Cash & Debt (NOK)
26 Q2	555M
26 Q1	744.09M
25 Q4	86M
25 Q3	756M
25 Q2	64M
25 Q1	443M
24 Q4	483M
24 Q3	364M
24 Q2	540M
24 Q1	177M

Debt ratios

SPIZF Debt ratios by quarter
Period	Debt ratios
26 Q2	31.7
26 Q1	32.26
25 Q4	40.76
25 Q3	59.41
25 Q2	122.91

Margins

SPIZF Margins by quarter
Period	Margins
26 Q2	97.34%
26 Q1	100%
25 Q4	63.5%
25 Q3	38.09%
25 Q2	39.28%
25 Q1	100%
24 Q4	100%
24 Q3	100%
24 Q2	100%
24 Q1	279.55%

Return on Capital

SPIZF Return on Capital by quarter
Period	Return on Capital
26 Q2	3.19%
26 Q1	4.13%
25 Q4	3.41%
25 Q3	3.37%
25 Q2	3.31%
25 Q1	5.25%
24 Q4	4.13%
24 Q3	4.97%
24 Q2	4.63%
24 Q1	5.89%

Shares Outstanding

SPIZF Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	17.87M
26 Q1	17.87M
25 Q4	16.93M
25 Q3	62.27M
25 Q2	62.27M
25 Q1	109.67M
24 Q4	278.18M
24 Q3	278.18M
24 Q2	278.18M
24 Q1	278.18M

Dividends (NOK)

SPIZF Dividends (NOK) by quarter
Period	Dividends (NOK)
Mar 26	1.23
Mar 25	0.84
Mar 24	0.7
Oct 23	0.27
Mar 23	0.54
Mar 22	0.52
Oct 21	0.21
Mar 21	0.25
Mar 20	0.24
Mar 19	0.27

Book Value Per Share (NOK)

SPIZF Book Value Per Share (NOK) by quarter
Period	Book Value Per Share (NOK)
26 Q2	3017.95
26 Q1	2676.8
25 Q4	2980.34
25 Q3	841.71
25 Q2	813.27
25 Q1	231.43
24 Q4	94.4
24 Q3	89.83
24 Q2	85.54
24 Q1	74.74

Total Assets (NOK)

SPIZF Total Assets (NOK) by quarter
Period	Total Assets (NOK)
26 Q2	599.09B
26 Q1	581.44B
25 Q4	581.39B
25 Q3	569.3B
25 Q2	568.12B
25 Q1	345.23B
24 Q4	338.17B
24 Q3	327.91B
24 Q2	322.8B
24 Q1	316.52B

PE Ratio

SPIZF PE Ratio by quarter
Period	PE Ratio
Sep 26	0.46
Sep 26	0.46
Aug 26	0.46
Aug 26	0.46
Aug 26	0.47
Aug 26	0.47
Jul 26	0.47
Jul 26	0.47
Jul 26	0.48
Jul 26	0.49
Jul 26	0.49
Jun 26	0.52
Jun 26	0.51
Jun 26	0.49
Jun 26	0.49
May 26	0.5
May 26	0.5
May 26	0.5
May 26	0.49
May 26	0.5
Apr 26	0.5
Apr 26	0.5
Apr 26	0.51
Apr 26	0.52
Mar 26	2.13
Mar 26	2.09
Mar 26	2.13
Mar 26	1.77
Feb 26	1.76
Feb 26	1.76
Feb 26	1.76
Feb 26	1.79
Jan 26	1.78
Jan 26	1.81
Jan 26	1.87
Jan 26	1.87
Jan 26	1.86
Dec 25	2.03
Dec 25	2.06
Dec 25	2.06
Dec 25	2.05
Nov 25	2.06
Nov 25	2.08
Nov 25	2.05
Nov 25	2.06
Oct 25	2.06
Oct 25	2.04
Oct 25	2.04
Oct 25	2.05
Oct 25	2.02
Sep 25	4
Sep 25	3.99
Sep 25	2.36
Sep 25	2.4
Aug 25	2.4
Aug 25	2.4
Aug 25	2.44
Aug 25	2.46
Aug 25	2.45
Jul 25	2.43
Jul 25	2.43
Jul 25	2.42
Jul 25	2.4
Jun 25	6.25
Jun 25	6.28
Jun 25	6.14
Jun 25	6.28
May 25	6.34
May 25	6.27
May 25	6.44
May 25	6.43
May 25	6.46
Apr 25	6.48
Apr 25	6.5
Apr 25	6.62
Apr 25	5.92
Mar 25	6.44
Mar 25	6.48
Mar 25	6.54
Mar 25	6.67
Feb 25	6.93
Feb 25	6.85
Feb 25	6.84
Feb 25	6.91
Jan 25	6.97
Jan 25	6.88
Jan 25	7.05
Jan 25	7.06
Jan 25	6.99
Dec 24	7.64
Dec 24	7.61
Dec 24	7.49
Dec 24	7.5
Nov 24	7.42
Nov 24	7.44
Nov 24	7.45
Nov 24	7.39
Nov 24	7.43
Oct 24	7.38
Oct 24	7.34

Free Cash Flow Yield

SPIZF Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	252.45%
Sep 26	250.49%
Aug 26	248.33%
Aug 26	250.45%
Aug 26	246.92%
Aug 26	245.26%
Jul 26	246.15%
Jul 26	243.31%
Jul 26	241.56%
Jul 26	235.63%
Jul 26	234.18%
Jun 26	204.9%
Jun 26	209.05%
Jun 26	214.28%
Jun 26	215.36%
May 26	214.16%
May 26	213.28%
May 26	212.48%
May 26	214.85%
May 26	213.06%
Apr 26	212.46%
Apr 26	210.96%
Apr 26	207.74%
Apr 26	203.43%
Mar 26	54.61%
Mar 26	55.71%
Mar 26	54.53%
Mar 26	65.62%
Feb 26	66.1%
Feb 26	65.94%
Feb 26	66.2%
Feb 26	64.92%
Jan 26	65.25%
Jan 26	64.35%
Jan 26	62.22%
Jan 26	62.21%
Jan 26	62.45%
Dec 25	50.47%
Dec 25	49.8%
Dec 25	49.8%
Dec 25	49.94%
Nov 25	49.88%
Nov 25	49.27%
Nov 25	49.99%
Nov 25	49.72%
Oct 25	49.88%
Oct 25	50.39%
Oct 25	50.17%
Oct 25	49.93%
Oct 25	50.7%
Sep 25	22.41%
Sep 25	22.45%
Sep 25	38.02%
Sep 25	37.3%
Aug 25	37.32%
Aug 25	37.29%
Aug 25	36.7%
Aug 25	36.42%
Aug 25	36.57%
Jul 25	36.88%
Jul 25	36.82%
Jul 25	36.97%
Jul 25	37.31%
Jun 25	15.01%
Jun 25	14.95%
Jun 25	15.27%
Jun 25	14.95%
May 25	14.8%
May 25	14.96%
May 25	14.57%
May 25	14.59%
May 25	14.52%
Apr 25	14.49%
Apr 25	14.45%
Apr 25	14.19%
Apr 25	15.84%
Mar 25	18.94%
Mar 25	18.83%
Mar 25	18.67%
Mar 25	18.28%
Feb 25	17.62%
Feb 25	17.81%
Feb 25	17.85%
Feb 25	17.65%
Jan 25	17.51%
Jan 25	17.73%
Jan 25	17.32%
Jan 25	17.29%
Jan 25	17.46%
Dec 24	15.3%
Dec 24	15.34%
Dec 24	15.6%
Dec 24	15.58%
Nov 24	15.73%
Nov 24	15.7%
Nov 24	15.68%
Nov 24	15.8%
Nov 24	15.71%
Oct 24	15.83%
Oct 24	15.91%

Price to Sales

SPIZF Price to Sales by quarter
Period	Price to Sales
Sep 26	0.13
Sep 26	0.13
Aug 26	0.13
Aug 26	0.13
Aug 26	0.14
Aug 26	0.14
Jul 26	0.14
Jul 26	0.14
Jul 26	0.14
Jul 26	0.14
Jul 26	0.14
Jun 26	0.14
Jun 26	0.14
Jun 26	0.14
Jun 26	0.14
May 26	0.14
May 26	0.14
May 26	0.14
May 26	0.14
May 26	0.14
Apr 26	0.14
Apr 26	0.14
Apr 26	0.14
Apr 26	0.14
Mar 26	0.62
Mar 26	0.61
Mar 26	0.62
Mar 26	0.52
Feb 26	0.52
Feb 26	0.52
Feb 26	0.51
Feb 26	0.52
Jan 26	0.52
Jan 26	0.53
Jan 26	0.55
Jan 26	0.55
Jan 26	0.55
Dec 25	0.81
Dec 25	0.82
Dec 25	0.82
Dec 25	0.82
Nov 25	0.82
Nov 25	0.83
Nov 25	0.82
Nov 25	0.82
Oct 25	0.82
Oct 25	0.81
Oct 25	0.81
Oct 25	0.82
Oct 25	0.8
Sep 25	2.53
Sep 25	2.53
Sep 25	1.49
Sep 25	1.52
Aug 25	1.52
Aug 25	1.52
Aug 25	1.54
Aug 25	1.56
Aug 25	1.55
Jul 25	1.54
Jul 25	1.54
Jul 25	1.53
Jul 25	1.52
Jun 25	3.96
Jun 25	3.98
Jun 25	3.9
Jun 25	3.98
May 25	4.02
May 25	3.98
May 25	4.08
May 25	4.08
May 25	4.1
Apr 25	4.11
Apr 25	4.12
Apr 25	4.19
Apr 25	3.76
Mar 25	2.67
Mar 25	2.69
Mar 25	2.71
Mar 25	2.77
Feb 25	2.87
Feb 25	2.84
Feb 25	2.84
Feb 25	2.87
Jan 25	2.89
Jan 25	2.86
Jan 25	2.92
Jan 25	2.93
Jan 25	2.9
Dec 24	3.01
Dec 24	3
Dec 24	2.95
Dec 24	2.95
Nov 24	2.92
Nov 24	2.93
Nov 24	2.93
Nov 24	2.91
Nov 24	2.93
Oct 24	2.91
Oct 24	2.89

EV/EBITDA

SPIZF EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	32.62
Sep 26	32.62
Aug 26	32.62
Aug 26	32.62
Aug 26	32.63
Aug 26	32.63
Jul 26	32.63
Jul 26	32.63
Jul 26	32.64
Jul 26	32.64
Jul 26	32.65
Jun 26	41.24
Jun 26	41.23
Jun 26	41.22
Jun 26	41.22
May 26	41.22
May 26	41.22
May 26	41.23
May 26	41.22
May 26	41.22
Apr 26	41.23
Apr 26	41.23
Apr 26	41.24
Apr 26	41.25
Mar 26	62.1
Mar 26	62.05
Mar 26	62.1
Mar 26	61.65
Feb 26	61.63
Feb 26	61.64
Feb 26	61.63
Feb 26	61.67
Jan 26	61.66
Jan 26	61.69
Jan 26	61.77
Jan 26	61.77
Jan 26	61.76
Dec 25	127.8
Dec 25	127.86
Dec 25	127.86
Dec 25	127.85
Nov 25	127.85
Nov 25	127.91
Nov 25	127.84
Nov 25	127.87
Oct 25	127.85
Oct 25	127.8
Oct 25	127.82
Oct 25	127.85
Oct 25	127.77

Price/Operating Cashflow

SPIZF Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 26	0.39
Sep 26	0.39
Aug 26	0.4
Aug 26	0.39
Aug 26	0.4
Aug 26	0.4
Jul 26	0.4
Jul 26	0.41
Jul 26	0.41
Jul 26	0.42
Jul 26	0.42
Jun 26	0.48
Jun 26	0.47
Jun 26	0.46
Jun 26	0.46
May 26	0.46
May 26	0.46
May 26	0.46
May 26	0.46
May 26	0.46
Apr 26	0.46
Apr 26	0.47
Apr 26	0.48
Apr 26	0.49
Mar 26	1.81
Mar 26	1.78
Mar 26	1.81
Mar 26	1.51
Feb 26	1.5
Feb 26	1.5
Feb 26	1.49
Feb 26	1.52
Jan 26	1.52
Jan 26	1.54
Jan 26	1.59
Jan 26	1.59
Jan 26	1.58
Dec 25	1.95
Dec 25	1.98
Dec 25	1.98
Dec 25	1.97
Nov 25	1.98
Nov 25	2
Nov 25	1.97
Nov 25	1.98
Oct 25	1.98
Oct 25	1.96
Oct 25	1.96
Oct 25	1.97
Oct 25	1.94
Sep 25	4.4
Sep 25	4.39
Sep 25	2.59
Sep 25	2.64
Aug 25	2.64
Aug 25	2.64
Aug 25	2.68
Aug 25	2.7
Aug 25	2.69
Jul 25	2.67
Jul 25	2.67
Jul 25	2.66
Jul 25	2.64
Jun 25	6.57
Jun 25	6.6
Jun 25	6.46
Jun 25	6.6
May 25	6.67
May 25	6.59
May 25	6.77
May 25	6.76
May 25	6.79
Apr 25	6.81
Apr 25	6.83
Apr 25	6.95
Apr 25	6.23
Mar 25	5.21
Mar 25	5.24
Mar 25	5.29
Mar 25	5.4
Feb 25	5.6
Feb 25	5.54
Feb 25	5.53
Feb 25	5.59
Jan 25	5.64
Jan 25	5.57
Jan 25	5.7
Jan 25	5.71
Jan 25	5.65
Dec 24	6.43
Dec 24	6.41
Dec 24	6.31
Dec 24	6.32
Nov 24	6.25
Nov 24	6.27
Nov 24	6.28
Nov 24	6.23
Nov 24	6.26
Oct 24	6.22
Oct 24	6.18

Price to Book

SPIZF Price to Book by quarter
Period	Price to Book
Sep 26	0.07
Sep 26	0.07
Aug 26	0.07
Aug 26	0.07
Aug 26	0.07
Aug 26	0.07
Jul 26	0.07
Jul 26	0.07
Jul 26	0.07
Jul 26	0.07
Jul 26	0.07
Jun 26	0.07
Jun 26	0.07
Jun 26	0.06
Jun 26	0.06
May 26	0.06
May 26	0.06
May 26	0.06
May 26	0.06
May 26	0.06
Apr 26	0.06
Apr 26	0.06
Apr 26	0.07
Apr 26	0.07
Mar 26	0.24
Mar 26	0.23
Mar 26	0.24
Mar 26	0.2
Feb 26	0.2
Feb 26	0.2
Feb 26	0.2
Feb 26	0.2
Jan 26	0.2
Jan 26	0.2
Jan 26	0.21
Jan 26	0.21
Jan 26	0.21
Dec 25	0.21
Dec 25	0.22
Dec 25	0.22
Dec 25	0.22
Nov 25	0.22
Nov 25	0.22
Nov 25	0.22
Nov 25	0.22
Oct 25	0.22
Oct 25	0.21
Oct 25	0.22
Oct 25	0.22
Oct 25	0.21
Sep 25	0.75
Sep 25	0.75
Sep 25	0.44
Sep 25	0.45
Aug 25	0.45
Aug 25	0.45
Aug 25	0.46
Aug 25	0.46
Aug 25	0.46
Jul 25	0.46
Jul 25	0.46
Jul 25	0.45
Jul 25	0.45
Jun 25	1.11
Jun 25	1.11
Jun 25	1.09
Jun 25	1.11
May 25	1.12
May 25	1.11
May 25	1.14
May 25	1.14
May 25	1.15
Apr 25	1.15
Apr 25	1.15
Apr 25	1.17
Apr 25	1.05
Mar 25	1.07
Mar 25	1.08
Mar 25	1.09
Mar 25	1.11
Feb 25	1.16
Feb 25	1.14
Feb 25	1.14
Feb 25	1.15
Jan 25	1.16
Jan 25	1.15
Jan 25	1.18
Jan 25	1.18
Jan 25	1.17
Dec 24	1.22
Dec 24	1.22
Dec 24	1.2
Dec 24	1.2
Nov 24	1.19
Nov 24	1.19
Nov 24	1.19
Nov 24	1.18
Nov 24	1.19
Oct 24	1.18
Oct 24	1.18

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AI Analysis

Sparebanken Norge

Video analysis: SPIZF

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